High Risk Health Insurance

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High-risk individuals who are looking for health insurance can become eligible for high-risk medical insurance through their state. Currently there are thirty states with high-risk health insurance pools. These states are able to provide lower premium medical insurance for high-risk individuals through some forms of hospital taxes, state taxes, and the ability to negotiate lower premiums for high-risk medical insurance by “pooling” people into a group similar to employers.

The following is a list of high-risk health insurance plans by state (note: you must be a resident of the state in which you are applying for high-risk medical insurance):

-Alabama Health Insurance Plan
-Alaska Comprehensive Health Insurance Association
-Arkansas Comprehensive Health Insurance Plan
-California Major Risk Medical Insurance Program
-Connecticut Health Reinsurance Association
-CoverColorado
-Idaho Individual High Risk Reinsurance Pool
-Illinois Comprehensive Health Insurance Plan
-Indiana Comprehensive Health Association
-Health Insurance Plan of Iowa
-Kansas Health Insurance Association
-Kentucky Access
-Louisiana Health Plan
-Maryland Health Insurance Plan
-Minnesota Comprehensive Health Association
-Mississippi Comprehensive Health Insurance Risk Pool
-Missouri
-Montana
-Nebraska
-New Hampshire
-New Mexico
-North Dakota
-Oregon Medical Insurance Pool
-South Dakota Risk Pool
-Tennessee's Tenncare Program
-Texas Health Insurance Risk Pool
-Utah Comprehensive Health Insurance Pool
-Washington State Health Insurance Pool
-Wisconsin Health Insurance Risk Sharing Plan
-West Virginia Health Insurance Plan
-Wyoming Health Insurance Pool

Eligibility

In the year 2003 the total number of people enrolled in high-risk health insurance plans through states topped 181, 441. The total claims for high-risk health insurance for the same period for those plans was over one billion dollars. The premium costs for high-risk medical insurance through state programs was also high for 2003 at $793,545,922. According to the American Diabetes Association, there is more than one way to become eligible for your state's high-risk pool. These may include:

-If you receive a notice of rejection from a health insurer
-If you receive a notice of benefit reduction or specific condition exclusion
-If you receive a notice of premium rate increase or surcharge exceeding the pool rate
-If you have a qualifying condition (i.e. AIDS, cancer, diabetes)
-If you are eligible for Trade Adjustment Assistance because you lost employment due to increased imports, you may be eligible for a tax credit. In some states, this tax credit can be used for the HRP
-If you have been involuntarily terminated from a health insurance plan or
-If you are HIPAA-eligible. Note: You are HIPAA-eligible if you have had at least 18 months of prior continuous health coverage, at least the last day of which was in a group health plan; you have exhausted COBRA; you are not eligible for Medicare, Medicaid or a group health plan; you don't have other coverage; and you apply for new coverage (such as the high-risk pool) within 63 days of losing your prior coverage. If your state has designated the high-risk pool for HIPAA coverage, then it will not impose a pre-existing condition exclusion period on you when you are HIPAA-eligible.

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